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Insurance Death Preventive Spain

Preventiva Decesos began its journey in 1943, specializing in family assistance and protection. Built on a solid support structure and equipped with innovative technological tools, it has a presence throughout Spain. Preventiva Death Insurance provides timely and efficient services through experienced professionals in assistance management. Its managers always prioritize the interests of their clients and their families. Its service quality is certified by Aenor and more than one million policyholders are satisfied with the excellent service provided. It belongs to the Preventiva Group, which has more than 130 offices nationwide and markets its products through approximately 2,000 intermediaries. The Preventiva Death Insurance in Spain offers service and support through a call center that operates 24 hours a day, 365 days a year.

Preventiva Seguros Spain stands out from other insurance companies due to its specialization in addressing family planning needs. It adapts and offers solutions for family members who are constantly evolving, observing and respecting their individual needs, with a strong focus on both life and non-life sectors. Over 70 years of experience in the insurance market, especially in the field of death insurance, certifies its specialization, flexibility, and independence.

It emphasizes technological innovation in products that adapt to the ongoing transformations of society, modernization of working methods, professionalism through a specialized and skilled team, social solidarity and commitment to sectors requiring support such as sports and culture, and proximity with a presence across the entire country.

Preventiva Spain has a specialized portfolio consisting of Preventiva Death Insurance, Preventiva Home Insurance, Preventiva Life Insurance, and Preventiva Mortgage Default Insurance.

Why Choose Preventiva Death Insurance?

The Preventiva death insurance is designed to protect all personal and financial needs of individuals or families. It offers its Decesos policies as a Single Premium, available in two highly useful modalities and a third one with great versatility. The Preventiva Funeral Insurance is more than just a death policy, as it provides three options for comprehensive protection: Preventiva Vivo, Preventiva Única Basic, and Preventiva Única Plus.

Preventiva Vivo is a death insurance policy with various guarantees to support the family. It includes different coverage options, all in a single policy and a single payment: death, medical assistance, life accidents, and home insurance, among others. Additionally, there is no extra cost for installment payments.

Preventiva Única Basic is a death insurance policy for people over 65 years old who typically do not travel abroad. It is designed for individuals who want to ensure that everything is arranged so their family does not face any worries in the event of their passing. Anyone over 65 years old can contract this policy.

Preventiva Única Plus is a Preventiva Death Insurance with a Single Premium, for individuals over 60 who want to plan for the future with peace of mind. Therefore, if you are over 60 and have not yet purchased funeral insurance, it is never too late.

With Preventiva Decesos, personalized service is provided, handling all necessary procedures and paperwork so that the family does not have to go through difficult moments. Preventiva Funeral Insurance offers value-added services that make it a unique and exclusive policy, addressing all the challenges of such circumstances. Preventiva Decesos guarantees a 2% capital revaluation.

Conditions to Contract Preventiva Death Insurance Spain

With Preventiva Funeral Insurance, you will have the standard coverages of a product of this nature. Additionally, you will have access to other special guarantees for the daily life of all your family members. If you are interested in purchasing funeral insurance and have decided on Preventiva Death Insurance, here is how to contract a Preventiva Decesos policy in just a few steps.

You must complete the Preventiva death insurance application and the health questionnaire. These documents are provided by Preventiva Seguros España. You will need to fill in your basic information and include your medical history, especially any current illnesses.

Next, you should consider two aspects: your age and your health condition. If your age is between 18 and 70 years and you are in good health, you will have three alternatives to choose from: mixed premium death insurance, natural premium death insurance, and level premium death insurance offered by Preventiva. Additionally, it is important to know that some Decesos insurers extend the age limit up to 84 years.

What Documentation Do I Need to Contract Preventiva Death Insurance?

A death insurance policy allows the insured, with just a simple phone call, to have everything organized during very difficult times, such as the death of any insured family member. This affects the family both bureaucratically and financially. By contracting the policy, you save time and money and avoid the headaches that arise when arranging the funeral of a close relative.

In general, insurance companies require certain documentation when you want to contract a death insurance policy. Here is the documentation needed to contract Preventiva Death Insurance:

1. Policyholder Over 18 Years Old: The policyholder must be of legal age to contract the policy. Other family members included in the policy can be of any age.
2. Full Name: The full names of all individuals to be included in the policy are necessary for proper identification and record-keeping.
3. Copy of ID, NIE, or Passport of the Policyholder: Any of these documents must be valid and not expired at the time of contracting the policy.
4. Bank Account in Spain: Required for payment processing and premium management.
5. Dates of Birth of All Insured: The age of each insured determines the cost of the policy, so dates of birth are essential.
6. Address: The insured’s address is important because the price of the policy can vary depending on the province of residence.
7. Complete the Health Questionnaire: This helps determine whether any pre-existing medical conditions exist. It should be filled out as honestly as possible.
8. No Serious Illness Before Contracting: Serious illnesses are generally not covered by the policy, so it is essential that the insured does not have any severe medical conditions at the time of contracting.

What Factors Influence the Price of Preventiva Death Insurance?

Death insurance, like any other insurance, is often advertised with a set of indicative rates for contracting the most suitable policy. However, these prices are merely guidelines. When customizing a death insurance policy for each client, insurers must consider a variety of factors to assess risk and calculate the premium. This applies not only to Preventiva but to all death insurance companies.

If you want to contract a death insurance policy, it is important to understand that not all policies are priced the same. Several factors influence the cost of Preventiva Death Insurance, and we can guide you through the process for free and without obligation. These factors include:

1. Date of Birth: Age, as with health insurance, affects the price of death insurance. The older the insured, the higher the risk for the insurance company. There are also specific policies depending on age. For example, for those over 65, a single-premium Preventiva death insurance is commonly chosen. This is a highly valuable product for older individuals.
2. Area of Residence: The cost of a burial and associated expenses varies by location. Renting or purchasing a niche in Barcelona is not the same as in Madrid or other regions. Therefore, the insured’s place of residence can affect the price of the policy.
3. Repatriation: The country to which the deceased will be repatriated and the distance involved can increase or decrease the policy cost. Repatriation is a decisive factor when calculating the price.
4. Coverages: The price of the death insurance policy varies depending on the coverages selected. If additional coverages are contracted, the policy offers more benefits but will have a higher premium.

How Can I Cancel the Preventiva Death Insurance?

After years of paying for your death insurance, you may find yourself considering canceling it. This is a difficult decision that can arise for various reasons, such as financial difficulties, a change of mind, dissatisfaction with the insurance company, or receiving a better offer from a competitor. In short, there are many reasons why someone might choose to cancel a death insurance policy.

When you no longer wish to maintain a death insurance policy, there are generally several ways to cancel it. Canceling a death insurance policy is usually much simpler than one might think.

In the case of Preventiva Death Insurance, the contract is for 12 months. This is not unique to Preventiva; all death insurance companies follow the same regulation in Spain. According to Spanish burial insurance law, to cancel your Preventiva death insurance, you must notify the company one month before the end of the contract year.

Example: If your Preventiva death insurance policy—or a policy from any other death insurance company—expires on December 31, you must inform the insurance company of your decision not to renew before November 30.

What Is the Waiting Period for Preventiva Death Insurance?

The waiting period is a span of time established from the day the policy becomes active until the day the insured person has access to certain guarantees and can begin to benefit from the coverages included in the contracted death insurance. In these cases, the waiting period usually affects specific coverages, which cannot be used immediately after signing the contract. This is done to protect the financial interests of the insurance company that issued the policy.

For Preventiva Death Insurance, the waiting period is defined as the number of months that must pass from the policy’s activation or subscription date before some of the contracted coverages can be utilized.

If you fill out the form above, we can advise you on the best option for your specific case and answer all your questions.

What Are the Exclusions of Preventiva Death Insurance?

The purpose of those who choose to purchase death insurance is to ensure that their family does not have to bear the costs of a funeral. Likewise, it aims to avoid all the administrative bureaucracy involved in these cumbersome procedures. However, before acquiring death insurance, it is wise to take certain details into account, among which are the exclusions.

Anyone who wishes to take out death insurance should be aware not only of the coverages they are purchasing but also of what is not included. This ensures there is no doubt at the time of contracting and helps understand what the insurance covers and what it does not.

For Preventiva Death Insurance, as with other insurers, the following are generally excluded: Deaths caused by natural disasters. Deaths caused by radioactive radiation or nuclear energy. Deaths resulting from war actions, terrorist acts, or civil disturbances. Deaths that do not give rise to any indemnity according to the Insurance Contract Law. Deaths that occur before the payment of the first premium.

Can I Take Out Preventiva Death Insurance with a Serious Illness?

As mentioned, not all insurance policies are the same. Therefore, before taking out a death insurance policy, it is essential to consider certain key factors that will determine whether the policy can be contracted, including whether the insured person has a serious illness. In most cases, serious illnesses are considered potentially life-threatening. Examples of such illnesses include any type of cancer, heart problems such as myocardial infarction, among others.

Unfortunately, in these cases, it is not possible to take out death insurance with a serious illness in Spain. Due to the high risk, according to Article 10 of Law 50/1980, of October 8, on the Death Insurance Contract in Spain, the insurer is exempt from paying any compensation if false information is provided in the medical questionnaire about the insured’s health, thereby omitting a pre-existing serious illness.

However, if the person has recovered from a serious illness, it may be possible to contract the death insurance, provided there are no severe lasting effects. The insurance company may require documentation to confirm the full recovery and absence of complications before issuing the policy.

Insurance Death Preventive Spain

Main Coverages of Insurance Death Preventive Spain